Which of the following is generally NOT considered a source of underwriting information?

The correct choice indicates that rating services are generally not considered a primary source of underwriting information. Underwriting is the process of evaluating the risk of insuring a client and determining the appropriate premium for that risk.

Medical records, application information, and agent reports are all crucial components that underwriters use to assess an applicant's health status, lifestyle, and risk factors. Medical records provide detailed health histories, application information contains answers regarding the applicant's personal and family history, and agent reports offer insights based on the agent's interactions with the client. These sources help create a comprehensive profile that is essential for making informed underwriting decisions.

Rating services, on the other hand, do not typically provide specific information about individual applicants. Instead, they offer generalized data or guidelines that assist in calculating premiums based on broader risk categories. While they can play a supporting role in the underwriting process by providing industry insights and trends, they lack the personalized, detailed information that the other sources provide. Thus, rating services do not fit the definition of a primary source of underwriting information.